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Howden Pensionsagentur A/S — Credit Rating and Financial Key Figures

CVR number: 31633869
Vandmanden 10 A, 9200 Aalborg SV
finans-pension@howdendanmark.dk
tel: 89934100
Free credit report Annual report

Credit rating

Company information

Official name
Howden Pensionsagentur A/S
Personnel
26 persons
Established
2008
Company form
Limited company
Industry

About Howden Pensionsagentur A/S

Howden Pensionsagentur A/S (CVR number: 31633869) is a company from AALBORG. The company recorded a gross profit of 10.2 mDKK in 2025. The operating profit was 2540 kDKK, while net earnings were 2214 kDKK. The profitability of the company measured by Return on Assets (ROA) was 5.1 %, which can be considered decent and Return on Equity (ROE) was 5.8 %, which can be considered decent. The equity ratio, a key indicator for solidity, stood at 70.5 %, a level that can be considered to be good. This shows that a large part of the company's assets are funded by shareholders' equity, reducing financial risk. Howden Pensionsagentur A/S's liquidity measured by quick ratio was 4.7 which is at a very high level. Thus, the company demonstrates exceptional financial stability, possessing a significant surplus of liquid assets over its short-term liabilities.

Financial information

See financials

Gross profit (kDKK)

EBIT (kDKK)

Profitability

Solidity

Key figures (kDKK)

See financials
2021
2022
2023
2024
2025
Volume
Net sales
Gross profit31 969.0029 837.0024 575.0011 815.0010 153.00
EBIT17 140.0019 323.009 233.00-3 002.002 540.00
Net earnings14 280.0015 358.008 097.00- 150.002 214.00
Shareholders equity total28 899.0044 257.0059 904.0059 753.0015 978.00
Balance sheet total (assets)36 577.0050 805.0067 663.0077 684.0037 667.00
Net debt-8 371.00-2 535.00-2 457.00-3 830.00-1 856.00
Profitability
EBIT-%
ROA54.1 %46.1 %18.0 %-0.1 %5.1 %
ROE52.1 %42.0 %15.5 %-0.3 %5.8 %
ROI65.3 %53.4 %20.2 %-0.1 %7.7 %
Economic value added (EVA)11 880.9213 589.414 839.34-5 170.59-1 121.77
Solvency
Equity ratio79.0 %87.1 %92.6 %87.0 %70.5 %
Gearing1.0 %0.1 %
Relative net indebtedness %
Liquidity
Quick ratio5.58.531.910.94.7
Current ratio5.58.511.74.41.4
Cash and cash equivalents8 659.002 535.002 457.003 830.001 871.00
Capital use efficiency
Trade debtors turnover (days)
Net working capital %
Credit risk
Credit ratingAAABBBBBB

Variable visualization

ROA:5.10%
Rating: 43/100
-20%
0%
4%
11%
24%
60%
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Equity ratio:70.5%
Rating: 53/100
-1%
21%
50%
81%
99%
100%
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Roles

Companies in the same industry

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